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HR8548Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA)
introduced
S4276119th CongressWALLET
Native American Housing Assistance and Self-Determination Modernization Act of 2026
Sponsored By: Senator Sen. Murkowski, Lisa [R-AK]
Introduced
Summary
Tribal self-determination in housing is the central aim. This bill would modernize federal housing programs for Indian, Alaska Native, and Native Hawaiian communities by giving tribes more control, streamlining environmental reviews, and broadening loan and rental assistance options.
Show full summary
- Tribes and tribally designated housing entities can adopt written local procurement and rent policies, get more flexible technical assistance, and assume consolidated environmental reviews when non‑Federal funds are 49 percent or less of a project. The bill raises the total development cost cap by up to 20 percent and allows one annual performance report covering multiple grants.
- Native families and lenders see expanded loan support. Section 184 would allow guarantees up to 100 percent of unpaid principal and interest for eligible loans and Section 184A extends guarantees to Native Hawaiian homestead loans with a loan‑term cap of 40 years.
- Homeless Indian veterans and priority groups gain targeted help through a Tribal HUD‑VASH rental assistance program with at least a 5 percent set aside. A Tribal and Rural Continuum of Care Builds pilot is authorized at $25 million for FY2027 and prioritizes youth, families, and survivors of domestic violence.
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Bill Overview
Analyzed Economic Effects
6 provisions identified: 3 benefits, 0 costs, 3 mixed.
More mortgage help and homebuying
This bill would expand HUD mortgage guarantees and homeownership rules for Indian and Native Hawaiian families. It would allow HUD to guarantee up to 100% of unpaid principal and interest for eligible loans and broaden eligible lenders, and would expand Section 184A loan use for Native Hawaiian homestead-eligible families with typical loan terms capped at 40 years. The bill would let recipients provide homeownership help to families with incomes up to 120% of area median income but limit use of more than 50% of a recipient's annual grant for those higher-income families. It would raise maximum leasehold terms on trust or restricted lands to 99 years and exempt small home repairs that cost 10% or less of a home's maximum total development cost from long remaining-useful-life rules. A low-income renter at initial occupancy would get first right to buy a unit if it is converted to homeownership.
New tribal homelessness and supports
This bill would create new HUD programs and set-asides to help Native American and Native Hawaiian people who are homeless or at risk. It would create a Tribal and Rural Continuum of Care Builds Program with $25,000,000 authorized for FY2027 and such sums as necessary later, and limit use of grant funds for services and admin. It would create a Tribal HUD‑VASH rental assistance program using not less than 5 percent of specified rental assistance funds for eligible Indian veterans. HUD could use up to 1% of McKinney-Vento title IV grants for a Native Hawaiian Homeless Assistance program and up to 5% for a Tribal Homeless Assistance program; awards must include two years of case management and priority groups.
More tribal control over procurement
This bill would let tribes and recipients adopt their own written procurement rules for HUD-assisted funds and raise the de minimis purchase threshold to 150% of the federal micro-purchase threshold. The Secretary must give tribal grantees wide flexibility in Community Compass technical assistance uses and HUD housing counseling grants would be open to Indian tribes and TDHEs. Tribes and certain tribal entities would not have to meet HUD housing-counseling certification rules when they provide counseling. The HUD Director could directly subaward Title IV funds to nonprofit subrecipients, and tribes that get Section 106(a)(1) grants could directly carry out new construction without percentage caps. The bill would bar one immediate negotiated rulemaking from changing the NAHASDA allocation formula.
Emergency payment limits and notices
This bill would let the HUD Secretary immediately limit or stop payments to recipients in emergencies. Recipients would get notice and could request a hearing within 30 days, and hearings must be expedited. If a requested hearing is not completed within 180 days, the payment limit would end. The bill would also require that termination notice protections apply to projects or programs funded only in part by this Act.
Faster environmental reviews for projects
This bill would streamline and limit some HUD environmental reviews for tribal affordable housing projects. It would exempt affordable housing activities costing $250,000 or less from environmental review and allow tribes or the Department of Hawaiian Home Lands to assume consolidated review when other Federal funds are no more than 49% of the Federal share. The bill would allow up to 20% total development cost overruns without Secretary approval, create a 60-day deadline for waiver decisions, and exempt HUD-assisted tribal projects from Build America/Buy America rules. It also allows limited waivers on above-ground tank spacing with required notice and safety plans.
HUD tribal advisory and authorizations
This bill would update authorizations and create advisory and reporting duties for HUD and tribal housing. It would authorize NAHASDA and Native Hawaiian housing authorizations as "such sums as may be necessary" for fiscal years 2027 through 2033. The bill would require HUD to maintain a Tribal Intergovernmental Advisory Committee with up to 16 tribal delegates and two tribal co-chairs. The committee must file public reports on supply-chain challenges within one year and produce Alaska and Native Hawaiian task reports within 180 days. HUD must coordinate with the Department of Defense on Innovative Readiness Training for civil engineering projects.
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Sponsors & CoSponsors
Sponsor
Sen. Murkowski, Lisa [R-AK]
AK • R
Cosponsors
Sen. Schatz, Brian [D-HI]
HI • D
Sponsored 3/26/2026
Steve Daines
MT • R
Sponsored 3/26/2026
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 3/26/2026
Dan Sullivan
AK • R
Sponsored 3/26/2026
Sen. Hirono, Mazie K. [D-HI]
HI • D
Sponsored 3/26/2026
Mike Crapo
ID • R
Sponsored 3/26/2026
Roll Call Votes
No roll call votes available for this bill.
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